The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABB LTD - SP ADR COM 000375204 342 10,561 SH   SOLE   10,561 0 0
AFLAC INC COM 001055102 379 5,892 SH   SOLE   5,892 0 0
AES CORPORATION COM 00130H105 337 13,115 SH   SOLE   13,115 0 0
AT&T INC COM 00206R102 36,640 1,550,580 SH   DFND   1,490,089 0 60,490
ABBOTT LABORATORIES COM 002824100 291 2,454 SH   SOLE   2,454 0 0
ABBVIE INC COM 00287Y109 67,270 414,966 SH   DFND   396,457 0 18,509
ADOBE INC. COM 00724F101 6,009 13,189 SH   DFND   12,714 0 475
ADVANCED MICRO DEVICES INC COM 007903107 1,140 10,428 SH   SOLE   10,428 0 0
AGENT INFORMATION SOFTWARE I COM 00847D108 56 28,000 SH   SOLE   28,000 0 0
AIR PRODUCTS& CHEMICALS INC COM 009158106 2,157 8,633 SH   DFND   8,541 0 92
ALPHABET CLASS C COM 02079K107 7,865 2,816 SH   DFND   2,742 0 74
ALPHABET CLASS A COM 02079K305 6,180 2,222 SH   DFND   2,132 0 90
ALTRIA GROUP INC COM 02209S103 47,061 900,690 SH   DFND   870,509 0 30,180
AMAZON.COM INC COM 023135106 8,505 2,609 SH   DFND   2,516 0 93
AMERICAN EXPRESS CO COM 025816109 3,598 19,243 SH   DFND   19,016 0 227
AMGEN INC COM 031162100 2,459 10,168 SH   DFND   10,043 0 125
ANNALY CAPITAL MANAGEMENT INC COM 035710409 419 59,588 SH   SOLE   59,588 0 0
APPLE INC COM 037833100 34,243 196,114 SH   DFND   193,127 0 2,987
APPLIED MATERIALS INC COM 038222105 1,980 15,024 SH   SOLE   15,024 0 0
ARES CAPITAL CORP COM 04010L103 743 35,482 SH   SOLE   35,482 0 0
ARISTA NETWORKS INC. COM 040413106 247 1,780 SH   SOLE   1,780 0 0
ASTRAZENECA PLC - ADR COM 046353108 5,683 85,658 SH   DFND   82,320 0 3,338
AXA - SP ADR COM 054536107 363 12,445 SH   SOLE   12,445 0 0
BAE SYSTEMS PLC - SP ADR COM 05523R107 432 11,465 SH   SOLE   11,465 0 0
BP PLC - ADR COM 055622104 560 19,044 SH   SOLE   19,044 0 0
BNP PARIBAS-ADR COM 05565A202 282 9,885 SH   SOLE   9,885 0 0
BANK OF AMERICA CORP COM 060505104 54,112 1,312,755 SH   DFND   1,249,700 0 63,055
BANK OF NEW YORK MELLON CORP COM 064058100 1,344 27,077 SH   DFND   26,775 0 302
BARCLAYS PLC - ADR COM 06738E204 255 32,225 SH   SOLE   32,225 0 0
BERKSHIRE HATHAWAY INC - CL B COM 084670702 935 2,650 SH   SOLE   2,650 0 0
BHP BILLITON LTD - SP ADR COM 088606108 2,239 28,984 SH   DFND   27,584 0 1,400
BLACKROCK INC COM 09247X101 51,884 67,896 SH   DFND   64,949 0 2,947
BLACKSTONE GROUP INC. COM 09260D107 297 2,338 SH   SOLE   2,338 0 0
BOEING COMPANY COM 097023105 767 4,003 SH   SOLE   4,003 0 0
BORGWARNER INC COM 099724106 2,486 63,918 SH   DFND   62,440 0 1,478
BRISTOL-MYERS SQUIBB CO COM 110122108 69,086 945,991 SH   DFND   911,487 0 34,504
BRITISH AMERN TOBACCO PLC ADR COM 110448107 705 16,729 SH   SOLE   16,729 0 0
BROADCOM INC COM 11135F101 70,112 111,345 SH   DFND   106,456 0 4,889
CK HUTCHISON HOLDIN-UNSP ADR COM 12562Y100 411 56,525 SH   SOLE   56,525 0 0
CVS HEALTH CORPORATION COM 126650100 67,441 666,352 SH   DFND   640,652 0 25,700
COTERRA ENERGY COM 127097103 3,554 131,780 SH   DFND   122,625 0 9,155
CAPITAL WORLD GROWTH& INC-A FUND 140543109 246 4,201 SH   SOLE   4,201 0 0
CAPITAL WRLD GRTH& INC-F2 FUND 140543828 248 4,236 SH   SOLE   4,236 0 0
CATERPILLAR INC COM 149123101 1,427 6,405 SH   SOLE   6,405 0 0
CHARTER COMMUNICATIONS INC-A COM 16119P108 333 611 SH   SOLE   611 0 0
CHEVRON CORP COM 166764100 56,132 344,728 SH   DFND   328,313 0 16,415
CISCO SYSTEMS INC COM 17275R102 69,674 1,249,525 SH   DFND   1,200,411 0 49,113
COCA-COLA COMPANY COM 191216100 239 3,848 SH   SOLE   3,848 0 0
COMCAST CORP - CL A COM 20030N101 28,416 606,930 SH   DFND   577,640 0 29,290
CONSTELLATION BRANDS INC-A COM 21036P108 4,466 19,389 SH   DFND   18,554 0 835
CORNING INC COM 219350105 38,091 1,031,984 SH   DFND   997,109 0 34,875
COSTCO WHOLESALE CORP COM 22160K105 1,865 3,238 SH   SOLE   3,238 0 0
DFA US CORE EQUITY 1 PORT FUND 233203413 223 6,406 SH   SOLE   6,406 0 0
DFA EMERGING MKTS CORE EQUITY FUND 233203421 5,450 226,402 SH   DFND   223,419 0 2,983
DFA US TARGETED VALUE PORT FUND 233203595 5,003 166,172 SH   DFND   161,296 0 4,875
DFA SMALL CAP VALUE FUND FUND 233203819 5,984 137,968 SH   DFND   137,375 0 593
DFA US LARGE CAP VALUE FUND FUND 233203827 7,035 153,946 SH   SOLE   153,946 0 0
DFA INTL L/C GROWTH PORT FUND 23320G265 6,245 395,493 SH   DFND   390,601 0 4,892
DFA INTL VALUE FUND FUND 25434D203 14,699 752,637 SH   DFND   737,306 0 15,331
DIMENSIONAL EMERGING CORE EQ FUND 25434V302 318 12,130 SH   SOLE   12,130 0 0
DISNEY WALT CO COM 254687106 7,016 51,148 SH   DFND   48,398 0 2,750
DOMINION ENERGY INC COM 25746U109 2,879 33,882 SH   DFND   32,179 0 1,703
DOW INC COM 260557103 25,098 393,875 SH   DFND   378,160 0 15,715
DUKE ENERGY CORP COM 26441C204 223 1,995 SH   SOLE   1,995 0 0
DUPONT DE NEMOURS INC COM 26614N102 6,245 84,877 SH   DFND   81,261 0 3,616
EASTMAN CHEMICAL COMPANY COM 277432100 1,557 13,890 SH   DFND   13,713 0 177
EMERSON ELECTRIC COMPANY COM 291011104 5,862 59,790 SH   DFND   57,320 0 2,470
ENBRIDGE INC COM 29250N105 34,844 755,988 SH   DFND   722,293 0 33,695
ENTERPRISE PRODUCTS PTRS LP COM 293792107 261 10,112 SH   SOLE   10,112 0 0
ERICSSON COM 294821608 265 28,995 SH   SOLE   28,995 0 0
EVERGY INC COM 30034W106 21,662 316,972 SH   DFND   302,452 0 14,520
EXELON CORPORATION COM 30161N101 412 8,650 SH   SOLE   8,650 0 0
EXPEDIA GROUP INC. COM 30212P303 4,799 24,527 SH   DFND   23,322 0 1,205
EXXON MOBIL CORP COM 30231G102 8,095 98,017 SH   DFND   92,572 0 5,445
META PLATFORMS INC COM 30303M102 3,660 16,459 SH   DFND   15,724 0 735
GENERAL ELECTRIC CO COM 369604301 7,334 80,147 SH   DFND   75,558 0 4,589
GENERAL MILLS INCORPORATED COM 370334104 2,897 42,783 SH   DFND   42,438 0 345
GENUINE PARTS CO COM 372460105 28,559 226,626 SH   DFND   215,806 0 10,820
GILEAD SCIENCES INC COM 375558103 31,352 527,364 SH   DFND   514,629 0 12,735
GOLDMAN SACHS GROUP INC COM 38141G104 245 742 SH   SOLE   742 0 0
HOME DEPOT INC COM 437076102 31,083 103,841 SH   DFND   99,409 0 4,432
HONDA MOTOR CO LTD - SP ADR COM 438128308 391 13,835 SH   SOLE   13,835 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 3,634 18,678 SH   DFND   18,428 0 250
IMPERIAL BRANDS PLC-SPON ADR COM 45262P102 246 11,480 SH   SOLE   11,480 0 0
INTEL CORPORATION COM 458140100 6,008 121,229 SH   DFND   118,509 0 2,720
INTERNATIONAL BUSINESS MACHINE COM 459200101 39,997 307,618 SH   DFND   295,883 0 11,735
INT'L FLAVORS& FRAGRANCES COM 459506101 33,712 256,699 SH   DFND   245,784 0 10,915
INVESCO QQQ TR FUND 46090E103 1,686 4,650 SH   SOLE   4,650 0 0
ISHARES MSCI EAFE ETF FUND 464287465 1,382 18,780 SH   DFND   18,485 0 295
ISHARES RUSSELL M/C GROWTH ETF FUND 464287481 7,261 72,253 SH   DFND   69,272 0 2,981
ISHARES RUSSELL 1000 VALUE ETF FUND 464287598 598 3,600 SH   DFND   1,800 0 1,800
ISHARES RUSSELL 1000 GROWTH ET FUND 464287614 5,167 18,610 SH   DFND   18,085 0 525
ISHARES RUSSELL 2000 VALUE FD FUND 464287630 719 4,453 SH   DFND   3,925 0 528
ISHARES RUSSELL 2000 INDEX FD FUND 464287655 1,927 9,386 SH   DFND   9,236 0 150
ISHARES MSCI EAFE SMALL-CAP ET FUND 464288273 265 4,000 SH   SOLE   4,000 0 0
ISHARES MSCI EAFE VALUE ETF FUND 464288877 357 7,100 SH   SOLE   7,100 0 0
ISHARES CORE MSCI EM MKTS ETF FUND 46434G103 4,151 74,718 SH   DFND   72,843 0 1,875
ISHARES CURR HED MSCI EAFE ETF FUND 46434V803 1,077 31,731 SH   DFND   31,031 0 700
JPMORGAN CHASE& CO COM 46625H100 65,365 479,496 SH   DFND   459,737 0 19,758
JOHNSON& JOHNSON COM 478160104 38,108 215,017 SH   DFND   205,342 0 9,675
KKR& CO INC CL A COM 48251W104 263 4,500 SH   SOLE   4,500 0 0
KELLOGG COMPANY COM 487836108 334 5,181 SH   DFND   4,781 0 400
KOMATSU LTD SPONS ADR COM 500458401 232 9,675 SH   SOLE   9,675 0 0
KONINKLIJKE AHOLD-SP ADR COM 500467501 264 8,185 SH   SOLE   8,185 0 0
LILLY ELI& COMPANY COM 532457108 4,465 15,590 SH   DFND   12,240 0 3,350
LINCOLN NATIONAL CORP COM 534187109 52,332 800,674 SH   DFND   767,674 0 33,000
LOCKHEED MARTIN CORPORATION COM 539830109 45,527 103,141 SH   DFND   99,388 0 3,753
LOWES COMPANIES INC COM 548661107 5,602 27,708 SH   DFND   24,864 0 2,844
MAGELLAN MIDSTREAM PARTNERS LP COM 559080106 311 6,347 SH   SOLE   6,347 0 0
MANULIFE FINANCIAL CORP COM 56501R106 305 14,269 SH   SOLE   14,269 0 0
MASTERCARD INC -CLASS A COM 57636Q104 229 640 SH   SOLE   640 0 0
MCDONALDS CORP COM 580135101 4,217 17,052 SH   DFND   15,538 0 1,514
MERCK& COMPANY INC COM 58933Y105 769 9,372 SH   SOLE   9,372 0 0
METLIFE INC COM 59156R108 6,672 94,935 SH   DFND   92,800 0 2,135
MICROSOFT CORP COM 594918104 20,832 67,568 SH   DFND   63,986 0 3,582
MICROCHIP TECHNOLOGY INC COM 595017104 850 11,312 SH   SOLE   11,312 0 0
MICRON TECHNOLOGY INC COM 595112103 213 2,730 SH   DFND   2,555 0 175
MITSUBISHI UFJ FINL GRP - ADR COM 606822104 363 58,700 SH   SOLE   58,700 0 0
MOLSON COORS BEVERAGE COMPANY COM 60871R209 1,170 21,925 SH   DFND   20,380 0 1,545
MORGAN STANLEY COM 617446448 53,992 617,760 SH   DFND   586,503 0 31,257
MULLEN AUTOMATIVE INC COM 62526P109 35 11,831 SH   SOLE   11,831 0 0
NATIONAL GRID PLC-SP ADR COM 636274409 404 5,255 SH   SOLE   5,255 0 0
NETFLIX INC COM 64110L106 3,864 10,314 SH   DFND   9,999 0 315
NIKE INC - CL B COM 654106103 463 3,437 SH   DFND   3,087 0 350
NOVARTIS AG - ADR COM 66987V109 357 4,066 SH   SOLE   4,066 0 0
NVIDIA CORP COM 67066G104 4,398 16,117 SH   DFND   15,352 0 765
OMNICOM GROUP COM 681919106 49,393 581,917 SH   DFND   563,197 0 18,720
ORACLE CORP COM 68389X105 4,249 51,359 SH   DFND   50,292 0 1,067
ORANGE - SPON ADR COM 684060106 175 14,845 SH   SOLE   14,845 0 0
ORIX - SP ADR COM 686330101 347 3,480 SH   SOLE   3,480 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 1,483 8,040 SH   SOLE   8,040 0 0
PARKER-HANNIFIN CORP COM 701094104 205 721 SH   SOLE   721 0 0
PEMBINA PIPELINE CORP COM 706327103 1,108 29,457 SH   SOLE   29,457 0 0
PEPSICO INCORPORATED COM 713448108 4,718 28,186 SH   DFND   27,831 0 355
PFIZER INC COM 717081103 4,197 81,063 SH   DFND   78,398 0 2,665
PHILIP MORRIS INTL INC COM 718172109 29,858 317,836 SH   DFND   304,508 0 13,328
PHILLIPS 66 COM 718546104 41,135 476,149 SH   DFND   453,389 0 22,760
PROCTER AND GAMBLE COMPANY COM 742718109 1,987 13,004 SH   DFND   12,704 0 300
PRUDENTIAL FINANCIAL INC COM 744320102 215 1,820 SH   SOLE   1,820 0 0
PUBLIC SVC ENTERPRISE GRP INC COM 744573106 220 3,136 SH   SOLE   3,136 0 0
PUBLIC STORAGE COM 74460D109 503 1,290 SH   SOLE   1,290 0 0
QS ENERGY INC COM 74736R106 1 16,600 SH   SOLE   16,600 0 0
QUALCOMM INC COM 747525103 4,358 28,519 SH   DFND   25,019 0 3,500
RALPH LAUREN CORP COM 751212101 417 3,678 SH   SOLE   3,678 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,325 13,374 SH   DFND   5,418 0 7,956
RESMED INC COM 761152107 462 1,907 SH   SOLE   1,907 0 0
RIO TINTO PLC - ADR COM 767204100 508 6,320 SH   SOLE   6,320 0 0
SPDR S&P 500 ETF FUND 78462F103 5,740 12,708 SH   SOLE   12,708 0 0
SALESFORCE.COM INC COM 79466L302 5,456 25,695 SH   DFND   24,355 0 1,340
SANOFI-AVENTIS - ADR COM 80105N105 438 8,541 SH   SOLE   8,541 0 0
SCHNEIDER ELECTRIC SE ADR COM 80687P106 496 14,675 SH   SOLE   14,675 0 0
SCHWAB S&P 500 INDEX FUND FUND 808509855 655 9,415 SH   SOLE   9,415 0 0
CHARLES SCHWAB CORPORATION COM 808513105 634 7,518 SH   SOLE   7,518 0 0
SPDR S&P CONS STAPLES SEL ETF COM 81369Y308 513 6,754 SH   DFND   6,579 0 175
SPDR S&P ENERGY SELECT ETF COM 81369Y506 413 5,400 SH   DFND   800 0 4,600
SEMPRA COM 816851109 51,342 305,390 SH   DFND   294,679 0 10,711
SOUTHERN COMPANY COM 842587107 289 3,988 SH   SOLE   3,988 0 0
STARBUCKS CORP COM 855244109 1,286 14,132 SH   SOLE   14,132 0 0
SUMITOMO MITSUI - SP ADR COM 86562M209 316 50,400 SH   SOLE   50,400 0 0
TAIWAN SEMICONDUCTOR - SP ADR COM 874039100 6,384 61,231 SH   DFND   60,576 0 655
TARGET CORP COM 87612E106 4,686 22,079 SH   DFND   21,820 0 258
TESLA INC. COM 88160R101 1,669 1,549 SH   SOLE   1,549 0 0
3M COMPANY COM 88579Y101 2,251 15,118 SH   DFND   14,288 0 830
TRAVELERS COS INC COM 89417E109 58,971 322,720 SH   DFND   307,875 0 14,845
TRUIST FINANCIAL CORPORATION COM 89832Q109 41,314 728,634 SH   DFND   693,339 0 35,295
TYSON FOODS INC - CL A COM 902494103 41,447 462,422 SH   DFND   442,177 0 20,245
ULTA SALON COSMETICS& FRAGR COM 90384S303 5,067 12,724 SH   DFND   12,149 0 575
UNION PACIFIC CORPORATION COM 907818108 2,144 7,849 SH   DFND   7,734 0 115
UNITED PARCEL SERVICE - CL B COM 911312106 41,547 193,729 SH   DFND   185,712 0 8,017
UNITEDHEALTH GROUP INC COM 91324P102 5,341 10,472 SH   DFND   9,998 0 474
VANGUARD HEALTH CARE FUND-INV FUND 921908307 214 1,004 SH   SOLE   1,004 0 0
VANGUARD HIGH DVD YIELD ETF FUND 921946406 247 2,200 SH   DFND   0 0 2,200
VANGUARD GROWTH INDEX FUND FUND 922908660 386 2,605 SH   SOLE   2,605 0 0
VANGUARD 500 INDEX FUND-ADM FUND 922908710 720 1,722 SH   SOLE   1,722 0 0
VANGUARD GROWTH ETF FUND 922908736 460 1,599 SH   DFND   561 0 1,038
VANGUARD VALUE ETF FUND 922908744 237 1,606 SH   DFND   0 0 1,606
VERIZON COMMUNICATIONS COM 92343V104 30,640 601,483 SH   DFND   576,230 0 25,253
VISA INC - CL A COM 92826C839 6,316 28,478 SH   DFND   27,383 0 1,095
VODAFONE GROUP PLC COM 92857W308 795 47,827 SH   SOLE   47,827 0 0
WASATCH MICRO-CAP FUND FUND 936772508 116 15,251 SH   SOLE   15,251 0 0
WELLS FARGO& COMPANY COM 949746101 2,484 51,264 SH   DFND   49,739 0 1,525
WESTERN DIGITAL CORP COM 958102105 1,294 26,066 SH   DFND   24,416 0 1,650
WILLIAMS COS INC COM 969457100 481 14,395 SH   SOLE   14,395 0 0
YUM CHINA HLDGS INC COM 98850P109 254 6,105 SH   SOLE   6,105 0 0
CAPRI HOLDINGS LTD COM G1890L107 853 16,595 SH   DFND   15,410 0 1,185
EATON CORP PLC COM G29183103 9,068 59,750 SH   DFND   57,830 0 1,920
MEDTRONIC PLC COM G5960L103 33,775 304,415 SH   DFND   292,911 0 11,504
APTIV PLC COM G6095L109 3,296 27,535 SH   DFND   26,300 0 1,235
NXP SEMICONDUCTORS NV COM N6596X109 2,087 11,276 SH   DFND   11,055 0 221